One Week Auto Insurance

Last Updated on September 11, 2020

Many people are not aware that you can get auto insurance for just one week. There are several situations in which you might need temporary car insurance coverage. Not all states allow for temporary coverage, and not all car insurance companies offer short-term coverage. Here’s what you need to know about car insurance for just one week.

Why One Week Auto Insurance?

one week auto insuranceThere are several instances in which you might need car insurance just for a short-term like one week. If you are going to be vacationing or going on a business trip in another state, you may want to purchase a one week or short term car insurance policy in that state to cover any rental vehicle that you may be driving while you are there. While rental companies offer their own insurance coverage if you need it, getting a short-term insurance policy on your own will often be less expensive.

Another example of a time when it is good to have a one-week car insurance policy is when you do not typically drive but will be driving short term. You might be borrowing a car from a friend or family member or getting a rental. If you will not be driving frequently and you do not have your own car, there is really no reason to have car insurance as a general rule. But if you will be driving temporarily, you want to make sure you have coverage. Some people have car insurance policies that cover any licensed driver, but it is still a good idea to have your own coverage.

Another reason to get temporary car insurance is if you have not owned a vehicle in a long time but will be test driving cars to choose one for purchase. You can get a one week auto insurance policy that covers you to drive any vehicle so that you are protected until you settle on a car and get a long-term policy.

Parents may want to get temporary insurance policies for their children when they come home to visit. If you have a child away at college, you can save on your regular car insurance by removing the younger driver from your policy. Yet when they come home for a visit, they need to be covered to drive the car. Rather than hike your regular rates back up, you can get a temporary one-week policy to cover the teen or young adult while they will be home from school.

What is Covered?

One week auto insurance offers coverage just like any other car insurance policy. Even though it is temporary coverage, it still has to meet the minimum requirements for the state you will be driving in. This usually means a specific amount of liability coverage for both damages and bodily injury. Typically you can also get additional coverage such as comprehensive that covers theft and natural disasters, and collision coverage that covers damages to the vehicle you are driving in case of an accident.

How to Find One Week Insurance

Not all companies offer one week insurance. Many of the major car insurance companies do offer temporary insurance policies, but they do not advertise it because they make their money on long-term policies. If you have had a good experience with an insurer in the past, you might contact them and see if they have a one-week insurance option.

You can also find specialty companies that specialize in offering short-term auto insurance. You may pay more through these companies, but the coverage will be the same as what you can get through a long-term company. You can generally find one week car insurance easily through an online search and by filling out quote forms. You may want to shop around to try to get the best rates.

Once you find and decide on a car insurance company to get your temporary insurance through, you will need to start the policy. Most companies that offer one week car insurance require that you pay the premium for the week up front.

Extending Coverage

There may be some times when you need car insurance for longer than one week, but you still don’t need a long term policy. If your vacation runs long, your business trip is delayed or extended, or you find yourself needing to drive longer than you originally intended, you may need to extend the policy.

Most of the time you should be able to extend the temporary insurance without problems. You may need to pay the premium for the extended term up front. As long as you extend the policy before it expires, there should be no complications. How long you can extend the insurance for depends on your state and the company that you got the policy through.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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